EMI Network Card

The Bajaj Finserv EMI Network Card lets you convert all your purchases into easy EMIs. It comes with a pre-approved loan limit of up to Rs. 4 lakh.

You can use it to shop online and offline to buy a wide range of products like home appliances, gadgets, electronics, furniture, clothes and even groceries.

You can also use the EMI Network Card on the EMI Store to shop online and get benefits like No Cost EMIs, zero down payment and free home delivery.

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Features of the EMI Network Card

  • Easy online shopping

    Easy online shopping

    Use the EMI Network Card to shop for the latest electronics and more on the EMI Store. Shop from the comfort of your home on No Cost EMIs. Get additional benefits like home delivery, zero down payment, doorstep demo, etc. You can also shop from leading e-commerce websites like Amazon, Flipkart, MakeMyTrip, etc.

  • Pre-approved limit of up to Rs. 4 lakh

    Pre-approved limit of up to Rs. 4 lakh

    With the Bajaj Finserv EMI Network Card, avail of a card limit of up to Rs. 4 lakh.

  • Online application with Bajaj Finserv Insta EMI Card

    Online application with Bajaj Finserv Insta EMI Card

    You can get an Insta EMI Card in 3 easy steps with a 100% digital process. That’s not all, your card gets activated instantly.

  • Flexible tenors

    Flexible tenors

    Repaying for your product is easy, with flexible tenors ranging from 3 to 24 months

  • Minimal documentation

    Minimal documentation

    Submit some basic documents on your first purchase at any of our partner stores to apply for an EMI Network Card. To get an Insta EMI Card, you don’t need to submit any documents.

  • Easy offline shopping

    Easy offline shopping

    Use the Insta EMI Card to shop for all your favourite gadgets and electronic appliances from our partner stores such as Vijay Sales, Croma, Reliance Digital, etc. You can also shop for furniture, gym equipment, professional courses, and much more on EMI from our lifestyle partners.

  • Easy access

    Easy access

    Access your EMI Network Card on your phone with the Bajaj Finserv Wallet app.

  • Nil foreclosure charges

    Nil foreclosure charges

    There will be no charges if you foreclose your loan after paying your first EMI

To be eligible, you must fulfil some basic criteria like –

  • You should be between 21 to 60 years of age to apply for EMI Network Card offline
  • You should be between 23 and 65 years of age to apply for an Insta EMI Card online
  • You must have a regular source of income
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How to apply for the Bajaj Finserv EMI Network Card

To get the Bajaj Finserv EMI Network Card offline, all you need to do is:

  1. 1 Visit a nearby EMI Network partner store
  2. 2 Choose your favourite product to buy
  3. 3 Get assistance from the store representative and opt for in-store financing
  4. 4 Submit basic documents to set up your EMI Network Card

You can apply for a Bajaj Finserv EMI Network Card online as well as offline.

To get your Insta EMI Card online, all you have to do is follow these steps:

1. Check your pre-approved offer
Share a few basic details and check the pre-approved limit on your Insta EMI Card

2. Verify your KYC

Verify your KYC via OKYC or CKYC

  • Offline KYC (OKYC) involves an online submission and verification of your Aadhar number
  • CKYC involves validation of your personal details pre-registered with CKYC

3. Make the payment

Pay a joining fee of Rs. 530

Your Insta EMI Card gets instantly activated on the Bajaj Finserv Wallet App

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Fees and charges

EMI Network Card Fee
Rs.530/- (Inclusive of applicable taxes)
Add-on Card Fee Rs.199/- (Inclusive of applicable taxes)
Convenience Fee Rs. 99/- + (Applicable taxes) will be added in the 01st EMI
Loan Enhancement Fees Rs. 99/- + (Applicable taxes) will be added in the 01st EMI
Mandate Registration Charges

Rs. 118/- (Inclusive of applicable of taxes) will be applicable for the below banks:

  • Bank of Maharashtra
  • Development Credit Bank Limited
  • IDFC Bank
  • Karnataka Bank Limited
  • Punjab & Sind Bank
  • Rajkot Nagarik Sahakari Bank Limited.
  • Tamilnad Mercantile Bank Limited
  • UCO Bank
  • Indian Overseas Bank
  • United Bank of India
Bounce charges
Rs 450/- (Inclusive of applicable taxes)
Mandate Rejection Charges Rs. 450/- (inclusive of applicable taxes). Will be applicable if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Customer’s Bank for any reasons whatsoever.
Penal interest Any delay in payment of Monthly Instalment/ EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/ EMI outstanding, from the date of default until the receipt of Monthly Instalment/ EMI.
Annual Fee Rs. 117/- (Inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed any loan using the EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your EMI Network Card. For example, If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the EMI Network Card) the date for payment of the annual fee will be March 2020.



How to shop online with the EMI Network Card

To shop online with the EMI Network Card, all you need to do is:

  1. 1 Go to the EMI Store and log in with your registered mobile number
  2. 2 Choose your product and a repayment timeline
  3. 3 Add your delivery address
  4. 4 Provide the OTP sent to your phone to complete the purchase

You could also shop for the latest products on No Cost EMIs at our partner e-commerce websites like Amazon, Flipkart, Samsung and more.

You could also get the product of your choice on easy EMIs at a store near you or by shopping online from the comfort of your home.

Overall, the process remains the same in both options – Select the product of your choice, choose a convenient repayment tenor and get it on easy EMIs.

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How to shop at a store with the EMI Network Card

If you wish to buy a product at a store near you, here are the steps to follow:

  1. 1 Visit a Bajaj Finserv partner store near you
  2. 2 Select a suitable repayment tenor
  3. 3 Provide your EMI Network Card details
  4. 4 Share the OTP sent to your registered phone number

With over 1.2 lakh+ partner stores all over the country, you can walk into any of them and get the product of your choice on easy EMIs.

Check out the ‘Find a store’ section on this page to know where the nearest partner store is.

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Frequently asked questions

What is the Bajaj Finserv EMI Network Card?

The Bajaj Finserv EMI Network Card lets you convert all your purchases into easy EMIs. You can use it to shop for the latest products worth up to Rs. 4 lakh at your preferred store.

How can I get my Insta EMI Card?

A fully digital application process allows pre-approved customers to get their Insta EMI Card in just 3 easy steps and activate their card instantly on the Bajaj Finserv Wallet app.

How do I validate myself with CKYC and OKYC to activate my Insta EMI Card instantly?
  1. CKYC validation is done by entering your PAN and mobile number or date of birth
  2. OKYC validation is done by entering your Aadhaar number and validating it with captcha, OTP and share code
What is the interest rate on the products bought on the Bajaj Finserv EMI Network?

You divide just the cost of your product into easy EMIs.

Can I withdraw money from my Bajaj Finserv EMI Network Card?

Unfortunately, you cannot withdraw money from an ATM and other platforms with your Bajaj Finserv EMI Network Card.

How can I increase my EMI Network Card’s limit?

The loan limit on your EMI Network Card depends on multiple factors such as your CIBIL score, income level and repayment capacity. Bajaj Finserv reviews its customers’ Bajaj Finserv Insta EMI Card loan limit every quarter. You can increase your card’s limit by maintaining a good repayment history.

What home appliances can I buy with the Bajaj Finserv EMI Network Card?

You can use the Bajaj Finserv EMI Network Card to purchase the latest home appliances and gadgets such as TVs, smartphones, laptops, washing machines, ACs, refrigerators, water purifiers, air coolers, etc. on easy EMIs.

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